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FTL Finance is a Missouri-based company focused on
lease financing of residential and commercial HVAC
equipment. For nearly 10 years, FTL's exceptional
customer service an highly effective processes have
created the right combination of speed and efficiency -
so you get the right information right away.
By working with HVAC dealers across the U.S., FTL
finance has built a rapid response financing system
customized to your needs:
- Quick approval - within 5 to 10 minutes!
- Lower rates ensure maximum savings
- Fixed interest rates - you will not pay more
over time
- No hidden fees or other charges
- No pre-payment penalty or penalty for early
payoff
- Interest may be tax deductible (contact your tax
advisor)
- Same as Cash plans available
The Numbers Speak For Themselves.
FTL Finance customers can save up to 50% in
comparison to credit card financing.
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FTL Finance |
Credit Card Programs |
Features
Amount
APR
Monthly Payment |
$2,000
14.9%
$46.90 |
$2,000
19.5%
$40.00 |
Total Payments
Contract Life |
$2,814.00 |
$4,200.00 |
Interest Paid
First 12 Months
Total |
$279.15
$814.00 |
$412.40
$2,200.00 |
Principal Reduction
First 12 Months
After 5 Years |
$283.65
$2,000.00 |
$98.50
$752.53 |
Balance Outstanding
First 12 Months
After 5 Years |
$1,716.35
Zero! |
$1,901.50
$1,247.47 |
Simple Application Process
- You Complete and sign application
- We verify your signature and I.D. (Driver's
License or credit card)
- Fax or call in lease application
- Decisions within minutes
*Interest rate subject to change
without notice.
** Interest rates may vary with an application's credit
rating. (Call for rates).
*** Customer application fee may be required depending
upon applicant's credit rating.
****Rates on amounts exceeding $20,000 are subject to
review. (Call for rates).Guidelines
- Eligibility: HVAC equipment purchasers
- Consumer Amounts: (a) $1,000 to $20,000
- Commercial Amounts: $2,500 to $50,000
(a)Amount less than $2,500.00 are
subject to a $35.00 processing fee
(1) 6 Months Same As Cash (SAC): First
payment is not due until 6 months from the date of the
contract. If the customer pays the entire amount by the
end of the 6-month SAC term, they are not charged
interest for the period. Payment in full must be
received prior to the end of the 6-month period for
finance charges to be waived. If payment is NOT
received in full by the end of the 6-month period, the
finance charge for the SAC period will be added to the
customer's monthly payment for the remaining term.
(Dealer cost 3.4%)
(2) 90 Days Same As Cash (SAC): First
payment is not due until 90 days from the date of the
contract. If the customer pays the entire amount by the
end of the 90-day SAC term, they are not charged
interest for the period. Payment in full must be
received prior to the end of the 90-day period for the
finance charges to be waived. If payment is NOT
received in full by the end of the 90-days period, the
finance charge for the SAC period will be added to the
customer's monthly payment for the remaining term.
(Dealer cost 1.65%) |
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